Mortgage Affordability Calculator

How much will I be able to borrow ?

*Required

You can use our mortgage calculator to get an estimate of what you may be able to borrow based on your income and financial commitments. The actual figure we can lend you could depend on your credit score and the chosen product. During the application process we will ask you for a more detailed breakdown of your income and outgoings which may change the amount we could lend you.

Number of Adults

Children

Mortgage term: Years

Help to Buy?

*Applicant 1 annual income(£)Required field

Applicant 2 annual income(£)

Monthly outgoings (£)

Please note the minimum household income for a residential mortgage is £20,000

*Additional payments must be proven as being regular and continuing, and are subject to assessment

If you are self employed please average your last 2 years earned UK taxable income (your gross taxable income, not your turnover); or use your most recent years income if it is lower than the average. Earned taxable income is defined as follows:

For sole traders use your net profit figures

For partnerships use your share of the net profit

For directors with a 25% or greater shareholding use the total of your director's remuneration and dividend income

*Additional payments must be proven as being regular and continuing, and are subject to assessment

If you are self employed please average your last 2 years earned UK taxable income (your gross taxable income, not your turnover); or use your most recent years income if it is lower than the average. Earned taxable income is defined as follows:

For sole traders use your net profit figures

For partnerships use your share of the net profit

For directors with a 25% or greater shareholding use the total of your director's remuneration and dividend income